Overview

Insurance is something most people don't even want to think about until they need it the most. But, understanding what is and isn't covered in your homeowners insurance policy can mean the difference of being able to rebuild your home and replace your personal belongings. Homeowners need to do annual insurance policy "check ups" to make sure they keep up with local building costs, home remodeling and inventories of their personal belongings.

What's Covered?

The typical homeowners insurance policy covers damage resulting from fire, windstorm, hail, water damage (excluding flooding), riots and explosion as well as other causes of loss, such as theft and the extra cost of living elsewhere which the structure is being repaired or rebuilt.
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Your policy also covers your legal liability (up to policy limits) if you, members of your family or even your pets hurt other people or their property, not just in your house, but away from it, as well.

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Frequently Asked Questions About Homeowners Insurance

What is homeowner’s insurance?​

Homeowner’s insurance provides protection for property (your home, other structures, and personal property inside) and liability coverage for injury or property damage claims that may occur on the premises.

How does replacement cost homeowner's policy compare with an actual cash value policy?​

Replacement cost coverage is the best. It will pay to repair or rebuild your home (or replace your personal property) without deduction for depreciation. Actual cash value policies consider the age, condition, and useful property life and pay a depreciated amount based on these factors.

How much coverage do I need on my home?​

It is always best to insure for the replacement value of your home and personal property. Your agent can help to determine the proper amount of coverage.

How can I lower my homeowner’s premium?​

Bundling your homeowner’s and auto insurance can save on both policies. You can also select a higher deductible and show proof of an alarm system for a discount.

Does my homeowner’s policy cover a flood?​

To insurance companies, “flood” means water that comes into your home from rainfall, mudslide, a nearby lake, stream, river or any other body of water. Damage from flooding is not covered under standard home insurance policies, but can be purchased under a separate flood policy.

How much liability coverage should I have?​

Liability limits start at $100,000, but most homeowners should have between $300,000 and $500,000 to protect their assets in the event of a law suit. More coverage can be purchased through adding an umbrella policy.